Timothy Mukoba

The books

Two books by Timothy Mukoba

Both are published by House of Wealth Publishers in hardcover. The bookshop delivers across Africa; Amazon serves readers elsewhere.

Front cover of From Retirement to Preferment by Timothy Mukoba: a money bag with a green shoot and stacked coins on cream
Format
Hardcover
Pages
500
Publisher
House of Wealth Publishers
Published
2026
ISBN
978-9914-9443-5-8
Foreword
Mr. Meshach Bernard Bandawe, Secretary General, Africa Social Security Association (ASSA)

01New release · Insights Into Retirement Psychology

From Retirement to Preferment

Moving Beyond Income Replacement to a Balanced, Meaningful, and Purpose-Driven Retirement

KSh 6,600 (USD 49.99)

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A proactive approach to career transition - empowering us to do what we love, with the people we value, on our own terms.

From the cover

Synopsis

For decades, retirement planning has centred primarily on one question: Will there be enough income after retirement? While financial security is essential, it alone cannot guarantee a fulfilling retirement. Many people leave employment with a pension yet lose their sense of purpose, identity, routine, relationships and emotional wellbeing, turning what should be a rewarding season into one marked by loneliness, uncertainty and regret. From Retirement to Preferment challenges this conventional thinking by presenting retirement not as an end, but as the beginning of a purposeful and meaningful new chapter.

Drawing on retirement psychology, pension practice, personal development, family dynamics and life design, this book offers a practical framework for creating a life of significance beyond employment. It equips individuals, employers, pension funds, trustees and policymakers with strategies to redefine retirement as a season of balance, contribution and renewed purpose, empowering readers to move beyond simply retiring to intentionally living a life of preferment.

Who it is for

  • Workers approaching retirement and wondering what comes next
  • Younger professionals who still have time to prepare
  • Retirees who have already left employment but still desire meaning
  • Pension trustees, administrators, employers, regulators, policymakers and social security leaders who want retirement systems to deliver better human outcomes
  • Families who need to understand that retirees are not just sources of money, but people in transition
  • Anyone who believes that later life should be lived with dignity, balance, wisdom and purpose

What you will be able to do

  • You will understand why a pension alone cannot guarantee a fulfilling retirement.
  • You will understand the psychology of leaving work and the six emotional stages of retirement.
  • You will be able to apply the ten-part PREFERMENT Framework to design your life after work.
  • You will be able to build retirement income from several sources, not one pension payment.
  • You will be able to protect your lump sum from family pressure, scams and rushed ventures.
  • You will be able to discover your Preferment Personality and measure your readiness with the Scorecard.
  • You will be able to plan your first 100 days: stabilise, structure, then design.
  • You will understand how pension funds can support members' whole-life retirement outcomes, not just payments.

Tools inside

The PREFERMENT Framework
Ten pillars, Purpose to Transcendence, each mapped to the chapter that develops it.
The Emotional Stages of Retirement Transition
Six stages from anticipation and celebration through disorientation to reorientation and integration.
The Income Replacement Stack
Six layers of retirement income, from basic social security pension to productive engagement income.
A Practical Financial Peace Plan
Covers income, essential expenses, health, lump sum, family support, investment rules, debt, legacy and simplicity.
The Eight Preferment Personalities™
Preserver, Producer, Entrepreneur, Mentor, Explorer, Connector, Seeker and Legacy Builder, each with strengths, risks and a challenge.
The Preferment Personality Assessment (PPA™)
Forty statements scored 1 to 5 in eight sections, with a scoring sheet and interpretation bands.
My Personal Preferment Plan workbook
Nine exercises, from a retirement identity statement to a first 100 days plan, with templates and a full example.
The Preferment Scorecard
Ten readiness areas scored 1 to 5, totalled out of 50 and read in four readiness bands.
Retirement Psychology-Informed Pension Service Model
Five member journey stages, from early awareness to post-retirement support, plus practical tools funds can provide.
The Ten Core Modules of a Preferment Program
Ten modules from financial readiness to post-retirement support, a four-day sample structure and a case study.
  • The full cover of From Retirement to Preferment laid flat: back cover with the author biography, spine and front cover
    The full cover of From Retirement to Preferment laid flat: back cover with the author biography, spine and front cover
Front cover of The Practitioner's Guide to Pension Administration by Timothy Mukoba: a red band and a gold compass on white
Format
Hardcover
Pages
640
Publisher
House of Wealth Publishers
Published
January 2026
ISBN
9798251664072
Foreword
David Nyakundi, Partner and Head of Pension Law, Simba & Simba Advocates; Consultant, Callund UK; Former CEO, Uganda Retirement Benefits Regulatory Authority; Former Chief Manager, Supervision and Legal Services, Retirement Benefits Authority (Kenya)

02A Systematic Solution for Pension Crisis

The Practitioner's Guide to Pension Administration

A Practical Handbook for Pension Administration

KSh 12,500 (USD 99.99)

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Synopsis

Pensions are about people: their work, their savings and their dignity in retirement. This handbook shows how that promise is kept in practice, from the trust deed that sets up a scheme to the pension payroll that pays a member for life.

Timothy Mukoba draws on more than two decades of designing and implementing pension administration systems across Africa. He walks through the whole cycle: types of pension plans, employer and member enrolment, contributions, crediting investment returns, income distribution, benefits processing, taxation, conversion of benefits at retirement, year-end processing and valuation, pensions payroll and annuities, fees and commissions, and asset-liability matching.

The later parts look ahead: technology in pension administration, actuarial foundations, pensions and financial inclusion, the future of African pensions, and the Member Outcomes Compliance Audit (MOCA), his framework for judging schemes by the outcomes members actually receive.

Throughout, the book uses comparative tables, worked examples and practical frameworks that can be applied directly in the administration of pension funds.

Who it is for

  • Trustees, who carry the fiduciary responsibility for members' savings
  • Administrators, who handle day-to-day scheme operations
  • Regulators and policymakers, who seek compliance and sustainability
  • Technology providers and consultants, who enable innovation
  • Students and professionals, who are entering this field with curiosity and ambition

What you will be able to do

  • You will understand the roles of trustees, custodians, fund managers and administrators in a scheme.
  • You will understand twenty types of pension plan, from defined benefit to unitized funds.
  • You will be able to manage contributions, compliance, arrears and shortfall interest with worked examples.
  • You will be able to credit investment returns fairly, including through unitization.
  • You will be able to compute DB and DC benefits, commutation, taxation and conversion to pension.
  • You will be able to run a pensions payroll, from pensioner registration to monthly reconciliation.
  • You will understand fees, asset-liability matching, actuarial valuations and risk-based supervision.
  • You will understand how technology, financial inclusion and MOCA are shaping African pensions.

Tools inside

Twenty pension plan types
Defined benefit to unitized fund, each explained with its features and, for many, a flow diagram.
Flow diagrams (Figures 1 to 22)
Pension fund, trust assets, trustee governance, plan-type, vesting and reserve fund flows drawn out.
Comparative tables
Side-by-side tables on DB versus DC, enrolment methods, contribution rates, crediting methods, annuities, pay-points and fees.
Shortfall interest formula and worked examples
Formula for late-contribution interest, worked for Kenya and Ghana, with trustee and employer duties.
Benefit taxation illustrations (Kenya)
Step-by-step lump-sum tax computations by service length and exit reason, for DC and DB schemes.
Unitization case study and unit price worked example
Units, bid prices and unit price changes computed step by step against flat crediting.
Sample Pensions Payroll Reconciliation Report
June versus July 2025 payroll movements explained: new entrants, exits, COLA, suspensions and deductions.
Asset-liability matching briefing table
Duration, cash-flow, life-cycle and liability-driven matching methods, with examples and African use.
Cybersecurity controls and checklist
Controls and a practical checklist for trustees and administrators protecting pension data.
Member Outcomes Compliance Audit (MOCA)
Six outcome pillars scored 0 to 100, rated Strong to Critical, with an auditor's checklist.
  • The Practitioner's Guide to Pension Administration standing upright, showing the red spine and the front cover
    The Practitioner's Guide to Pension Administration standing upright, showing the red spine and the front cover
  • The Practitioner's Guide held open to show the back cover, with the author's photograph and biography, beside the front cover
    The Practitioner's Guide held open to show the back cover, with the author's photograph and biography, beside the front cover
  • Hardcover copies of The Practitioner's Guide stacked on a table at an event
    Hardcover copies of The Practitioner's Guide stacked on a table at an event

Delivery

The bookshop delivers across Africa; you see the delivery charge before you pay. Readers elsewhere can order either title on Amazon. Institutions ordering for a board, a scheme or a class can write through the contact page for a quotation.

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